NFCU is a fickle beast aren't they?

[CCrew]

Wife and I are chuckling over this. 

She has a NFCU account in her name only. Has a whopping $200 parked in it since 2015. Got an invite for their Visa Platinum in the mail yesterday and said  what the heck, they're a good company. 

She's a homemaker, hasn't worked in the workforce in the 28 years we've been married. Zero income other than mine. FICO score right around 750 right now with a 20 year AAoA. 2x car loans on her report and AU on several of my better accounts. Applied as unemployed listing household income. 

Immediate approval for $25k w/7.49% interest rate. 

[xaximus]

Congrats on the monster SL and rate. NFCU is interesting, never know what they can do.

[CCrew]

Thanks. I was shocked, expected a decline or a low SL. Wife's only response given her actual income: "Seems like a questionable business decision to me!" 

[Anonymous]

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@CCrew wrote:

Thanks. I was shocked, expected a decline or a low SL. Wife's only response given her actual income: "Seems like a questionable business decision to me!" 

Ha! Congrats!

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[Gmood1]

I've come to the conclusion, who ever NFCU paid to program the computer's algorithms for credit apps was smoking something on the install day.😂

[Anonymous]

Congrats on approval and monster SL !!!!

[Louscrw]

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@Gmood1 wrote:
I've come to the conclusion, who ever NFCU paid to program the computer's algorithms for credit apps was smoking something on the install day.😂

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well, hopefully NFCU will approve my membership before they fix the algorithms.  LOL  I want some of those $25K candies they've been handing out. 

I don't understand what the hold up on my membership is, I applied last Friday and was told 3-5 business days...today is the 5th, so I'm hoping to hear something.  BTW, my affiliation is retired USAF and I used my DoDID number from my retiree ID for membership.

[Gmood1]

Hopefully they will soon. It took a month before my membership was finally approved.

[pipeguy]

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@Louscrw wrote:

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@Gmood1 wrote:
I've come to the conclusion, who ever NFCU paid to program the computer's algorithms for credit apps was smoking something on the install day.😂

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well, hopefully NFCU will approve my membership before they fix the algorithms.  LOL  I want some of those $25K candies they've been handing out. 

I don't understand what the hold up on my membership is, I applied last Friday and was told 3-5 business days...today is the 5th, so I'm hoping to hear something.  BTW, my affiliation is retired USAF and I used my DoDID number from my retiree ID for membership.

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Well that's easy, Squids are not real fond of Flyboys - they are always in a hurry so make them wait 

[Anonymous]

‘Grats on your wife’s monster approval.